Insurance Headache - 7 Month Later?
Discussion
So, in March, I ditched my car after swerving to avoid another who pulled out infront of me. It only looked minor damage, but was enough to write the car off.
I'd only taken the insurance out days before it happened... far from ideal, but then neither is crashing your pride and joy! The claim went against me, because I was kind enough to not crash into the back of the other car. FFS.
The insurance took an age to sort, because their claims team 'lost' my driving documents after I sent them recorded. Eventually, they told me the documents had arrived and the cheque was sent.
Fast forward to October and I get a visit from an ex copper asking me for a written account of the incident. He tells me they had not received any documents, and after checking the recorded delivery number, they'd been signed by the post room that had sent them?!
But they told me they'd received them! And the claim had been settled?!
So, I'll chase the post room who sent the docs, but what can the insurance company do? I'm really, really chewed up about this - never been in trouble in my life and they're talking solicitors and all sorts! It's a stress I can well do without.
Any info appreciated!
I'd only taken the insurance out days before it happened... far from ideal, but then neither is crashing your pride and joy! The claim went against me, because I was kind enough to not crash into the back of the other car. FFS.
The insurance took an age to sort, because their claims team 'lost' my driving documents after I sent them recorded. Eventually, they told me the documents had arrived and the cheque was sent.
Fast forward to October and I get a visit from an ex copper asking me for a written account of the incident. He tells me they had not received any documents, and after checking the recorded delivery number, they'd been signed by the post room that had sent them?!
But they told me they'd received them! And the claim had been settled?!
So, I'll chase the post room who sent the docs, but what can the insurance company do? I'm really, really chewed up about this - never been in trouble in my life and they're talking solicitors and all sorts! It's a stress I can well do without.
Any info appreciated!
There are clearly concerns over the validity of your claim.
An insurance company would not talk about solicitors as they have no reason to litigate. They will decline your claim if they see fit and that is it unless you want to litigate.
How can you not know if a claim has been settled? The lack of a cheque payable to you should be a big giveaway.
An insurance company would not talk about solicitors as they have no reason to litigate. They will decline your claim if they see fit and that is it unless you want to litigate.
How can you not know if a claim has been settled? The lack of a cheque payable to you should be a big giveaway.
LoonR1 said:
There are clearly concerns over the validity of your claim.
An insurance company would not talk about solicitors as they have no reason to litigate. They will decline your claim if they see fit and that is it unless you want to litigate.
How can you not know if a claim has been settled? The lack of a cheque payable to you should be a big giveaway.
The claim was settled... cheque sent, and paid into my account!An insurance company would not talk about solicitors as they have no reason to litigate. They will decline your claim if they see fit and that is it unless you want to litigate.
How can you not know if a claim has been settled? The lack of a cheque payable to you should be a big giveaway.
Hence the frustration!
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